In Florida, mention the letters HOA and you are likely to hear tales of loathing and disgust. Homeowners Associations (HOAs) were established here with the idea of maintaining community standards and manage shared amenities, aiming to preserve property values and ensure a cohesive living environment. The problem is, there have been numerous instances where HOAs overstep their boundaries, make capricious enforcement decisions and are downright petty.

Around 45% of homes in Florida are part of an HOA.